Phoenix, Arizona- Debt Collection Lawsuits and Judgments Attorney

Law Office Of

Joseph A. Velez

480.710.5079

Real Estate & Business Law Attorney

The Law Office of Joseph Velez

Commercial Real Estate & Business Law Attorney

Scottsdale Financial Center

7272 E. Indian School Rd., Suite 111

Scottsdale, Arizona 85251

480.710.5079

Advantages of Using an Attorney Over a Debt Negotiation Company

There has been an influx of debt collection and negotiation companies looking to take advantage of those in debt.  It is important to be cautious of these companies.  There are more advantages from seeking the help from a trained Arizona collection action and wage garnishment Attorney and they are listed below. 


  1. 1.Familiarity with Laws and Legal Defenses: Unlike debt consolidation companies, an attorney is knowledgeable and experienced regarding the collection laws and the legal defenses a consumer may have available. 

  2. 2.Familiarity with Asset Protection and Exemption Planning: An attorney can advise you regarding asset protection, how to respond to and defend against bank and wage garnishment, is knowledgable is bankruptcy laws, etc.  A debt negotiator cannot do any of this.

  3. 3.Ability to Advise Regarding Settlement Terms: Often, creditors who settle with debtors demand such things as stipulated judgments, confessions of judgments, and/or include settlement terms which appear harmless, but which can later come back to haunt you.  An attorney is better able to negotiate theses terms, and at the very least, explain them appropriately so that you can make an informed decision. 

  4. 4.Generally Less Expensive with Better Results: Most Debt negotiation companies charge a percent of the total amount due (typically 13% to 15%).  Often times, our office is is able to achieve better results for far less. 

  5. 5.Attorneys are trained to spot the legal violations of creditor:  The mistakes and violations made by creditor can serve as important leverage when defending your case.

  6. 6.Legal Repercussions Exist if You are Sued:  Unlike debt negotiators, attorneys can advise and strategize what to do if you are sued and how to respond to suits.  Debt negotiators cannot do this and must refer you to an attorney. 

For these reasons it is more beneficial to work with a collection action attorney over a Debt consolidation or negotiation company.  If you are facing a collection judgment contact our office today for an initial consultation at 480.710.5079.

Our law office represents clients throughout the Phoenix, Arizona area including the cities of Scottsdale, Maricopa, Mesa, Surprise, Paradise Valley, Avondale, Gilbert, Chandler, Glendale, Florence, New River, Fountain Hills, Peoria, Surprise, Queen Creek, Tempe, Sun City, Apache Junction, and Casa Grande. We serve the counties of Maricopa, Yavapai, Gila, Pinal, La Paz, Yuma, and Pima County.

DISCLAIMER: This site and any information contained herein are intended for informational purposes only and should not be construed as legal advice. Seek competent legal counsel for advice on any legal matter.

One hour initial office consultation fee is $295 for the matters discussed above.


  1. Wage Garnishment

  2. MUST READ: 7 Biggest Mistakes Consumers Who Have Been Sued Make

  3. Advantages of Having an Attorney

  4. So There is a Judgment Against You

  5. Effects on Credit Reports

  6. Advantages of Using an Attorney Over a Debt Negotiation Company

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